CSV to IIF Converter
This CSV to IIF converter turns a bank CSV or Excel file into an IIF file that QuickBooks Desktop imports, with each transaction already assigned to the accounts you choose.
Drop your bank file here or choose a file
CSV, Excel, QBO, QFX, OFX or QIF · stays on your device
No signup. Your file never leaves your computer. Works in your browser.
How to convert CSV to IIF
- Drop the bank's CSV or Excel file into the converter The columns are matched for you, and known bank layouts are recognized.
- Check the columns and transactions Make sure the date, description and amount columns are right, and fix or delete any row.
- Choose the account type Checking or savings transactions become checks and deposits; credit card transactions become charges and refunds.
- Type your QuickBooks account names The bank or card account, an account for money out (usually an expense account) and one for money in (usually an income account), exactly as they appear in your chart of accounts.
- Download the IIF file Click Download IIF file, back up your company file, and import it in QuickBooks Desktop.
How to import the IIF file into QuickBooks Desktop
These steps follow Intuit's help pages for IIF files. Intuit doesn't offer support for creating or fixing IIF files, so check the file's transactions here first.
QuickBooks Desktop for Windows
- Back up your company file Intuit notes that an IIF import can't be undone.
- Open the IIF import Choose File › Utilities › Import › IIF Files, then Import IIF.
- Pick the file Select the .iif file and click OK. QuickBooks 2019 and later check the file and report how many records were imported.
- Check the register Open the bank or card account and look over the imported transactions.
QuickBooks Desktop for Mac
- Import the file Choose File › Import › From IIF Files and select the .iif file.
What the CSV to IIF converter writes
Each bank transaction becomes one IIF transaction, written the way Intuit’s own sample files are:
| Your transaction | IIF type | Bank or card account row | Other account row |
|---|---|---|---|
| Money out of a checking or savings account | CHECK | Negative amount | Same amount, positive, in your money-out account |
| Money into a checking or savings account | DEPOSIT | Positive amount | Same amount, negative, in your money-in account |
| A credit card charge | CREDIT CARD | Negative amount | Same amount, positive, in your money-out account |
| A credit card refund or payment | CCARD REFUND | Positive amount | Same amount, negative, in your money-in account |
The two rows of each transaction always add up to zero, as in Intuit’s samples. Dates are written like 1/5/2026, the style the samples use; a check number goes in the document number for checks; and the description goes in the memo unless you choose the name field.
Before you import an IIF file
- Back up your company file. Intuit notes that an IIF import can’t be undone.
- Check the account names. An account QuickBooks doesn’t know is created as a new bank account.
- Import each file once. IIF imports don’t check for duplicates.
- Expect limited checking. Intuit says IIF imports check for errors only partly, so a file can import wrong data without an error. Look over the register afterwards.
When QBO is the better choice
For regular bank downloads, a QBO file is usually the safer route: QuickBooks shows each transaction in the Bank Feeds Center, you match or categorize it there, and transaction IDs stop the same transaction from coming in twice. The CSV to QBO converter makes QBO files from the same bank CSV. IIF suits a one-time import of older history that you want already sorted into accounts.
Supported banks and file layouts
Any bank's CSV or Excel file
The converter finds the header row (even below bank names and account summaries), matches columns by name and by content, and handles one signed amount column, separate debit and credit columns, or an amount with a DR/CR column. Dates like 01/05/2026, 2026-01-05 and Jan 5, 2026 and amounts like (1,234.56) or 1234.56- are all read.
Known layouts, picked automatically
- American Express card · Date, Description, Card Member, Account #, Amount, … 8 more
- Apple Card · Transaction Date, Clearing Date, Description, Merchant, Category, … 3 more
- Bank of America checking or savings · Date, Description, Amount, Running Bal.
- Bank of America credit card · Posted Date, Reference Number, Payee, Address, Amount
- Barclays credit card · Transaction Date, Description, Category, Amount
- Capital One 360 checking or savings · Account Number, Transaction Description, Transaction Date, Transaction Type, Transaction Amount, Balance
- Capital One credit card · Transaction Date, Posted Date, Card No., Description, Category, … 2 more
- Charles Schwab Bank checking · Date, Status, Type, CheckNumber, Description, … 3 more
- Charles Schwab Bank checking (older layout) · Date, Type, Check #, Description, Withdrawal (-), … 2 more
- Chase checking · Details, Posting Date, Description, Amount, Type, … 2 more
- Chase credit card · Transaction Date, Post Date, Description, Category, Type, … 2 more
- Citi credit card · Status, Date, Description, Debit, Credit
- Discover card · Trans. Date, Post Date, Description, Amount, Category
- Mercury transactions · Date (UTC), Description, Amount, Status, Source Account, … 9 more
- PayPal activity · Date, Time, TimeZone, Name, Type, … 11 more
- PNC checking or savings · Transaction Date, Transaction Description, Amount, Balance
- SoFi checking or savings · Date, Description, Type, Amount, Current balance, Status
- Square transactions · Date, Time, Time Zone, Gross Sales, Discounts, … 44 more
- Stripe balance report · balance_transaction_id, created_utc, available_on_utc, currency, gross, … 4 more
- USAA checking or savings · Date, Description, Original Description, Category, Amount, Status
- Venmo statement · ID, Datetime, Type, Status, Note, … 16 more
- Wells Fargo · 5 columns, no header row
Each layout was checked against the bank's own help pages or real sample files. If your bank changes its layout, the converter still reads the file by its column names.
Common problems and fixes
- A new bank account appeared after the import
- Intuit says an account QuickBooks doesn't know is created as a new bank account. The name in the file didn't match your chart of accounts exactly. Undo it from your backup, correct the account name in the converter, and import again.
- The import fails with a duplicate-name error
- Intuit's IIF manual says names must match QuickBooks' lists exactly. Keep Put the description in set to The memo (the default) so no names are sent.
- Transactions were imported twice
- IIF imports don't check for duplicates. Import each file once, and start each new bank download the day after the last one you imported.
- "Expected ENDTRNS" or another IIF error
- These messages point to a broken file structure. The converter writes every transaction as a TRNS row, a SPL row with the same date and an ENDTRNS row; if you edited the file by hand or in a spreadsheet, download it again instead.
- Money in and money out are the wrong way round
- For card files that list purchases as positive numbers, turn on Flip signs before you download. A $50 purchase should show as −50.00.
IIF vs QBO
| IIF | QBO | |
|---|---|---|
| What it is | Intuit Interchange Format: tab-separated QuickBooks Desktop data | A Web Connect bank statement file (OFX) |
| How it imports | File › Utilities › Import › IIF Files | Banking › Bank Feeds › Import Web Connect Files |
| Accounts | Already assigned to the accounts you name | You match or categorize each one in the Bank Feeds Center |
| Duplicate check | None | Skips transaction IDs already imported |
| QuickBooks Online | Not among the bank upload file types | Accepted by Upload from file |
Frequently asked questions
What is an IIF file?
Intuit Interchange Format, a tab-separated text format that QuickBooks Desktop uses to import and export lists and transactions.
How do I convert a CSV to IIF?
Drop the CSV into the converter above, check the transactions, type your QuickBooks account names, and click Download IIF file.
Should I use IIF or QBO for bank transactions?
QBO goes through the Bank Feeds Center, where QuickBooks skips repeats and you match each transaction. IIF adds the transactions straight to the accounts you name, with no duplicate check, so it suits a one-time import of categorized history.
Can QuickBooks Online import IIF files?
Intuit's upload steps for QuickBooks Online list CSV, TXT, QBO and OFX files, not IIF. Use the QuickBooks Online CSV formatter instead.
How do I write a subaccount?
As Parent:Child, for example Utilities:Water, the way Intuit's IIF files write it.
Is my file uploaded?
No. The CSV is read and the IIF file is made in your browser.
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